Home owners insurance company binded policy without my consent

[Drivel2787]

State farm Home owners insurance company binded policy without my consent to my mortgage lender in the process of purchasing my home. I only ever got a quote and told them I was going else where. Only to find my lender reached out to the wrong company and the agent binded the policy. I got it resolved but is this legal to do this and is there any recourse I can take for them doing so without my verbal or written consent?

Thanks in advanced

 

[quincy]

State farm Home owners insurance company binded policy without my consent to my mortgage lender in the process of purchasing my home. I only ever got a quote and told them I was going else where. Only to find my lender reached out to the wrong company and the agent binded the policy. I got it resolved but is this legal to do this and is there any recourse I can take for them doing so without my verbal or written consent?

Thanks in advanced

First, only one thread is necessary on this forum. Your other thread will be removed.

If all has been resolved, there are no damages and no legal action to pursue. Apparently this was a simple misunderstanding, now corrected.

You can speak to both your mortgage lender and your insurance agent to let them know of your displeasure if you want to, however.

 

[Zigner]

State farm Home owners insurance company binded policy without my consent to my mortgage lender in the process of purchasing my home. I only ever got a quote and told them I was going else where. Only to find my lender reached out to the wrong company and the agent binded the policy. I got it resolved but is this legal to do this and is there any recourse I can take for them doing so without my verbal or written consent?

Thanks in advanced

Assuming you are in the United States...

This is a "no-harm/no-foul" situation. You asked for a quote and then the lender contacted them to finalize it...so they fairly assumed that you had instructed the lender to do so.
If you are REALLY upset, feel free to write a nasty letter to State Farm...but remember, it was simply a mistake that was resolved without any negative impact on you.

 

[quincy]

Thank you for deleting your duplicate thread. It saves the moderator some time.

 

[zddoodah]

Home owners insurance company binded policy without my consent to my mortgage lender in the process of purchasing my home.

Why is a "mortgage lender in the process of purchasing [your] home"? Mortgage lenders don't typically buy homes.

is this legal to do this

There is no law that prohibits an insurance company from binding a policy on a home without the seller's consent/permission.

is there any recourse I can take for them doing so without my verbal or written consent?

Recourse for what? What do you care if the insurer did this and how were you harmed as a result?

 

[quincy]

A homeowner chooses their insurer.

 

[cbg]

is this legal to do this and is there any recourse I can take for them doing so without my verbal or written consent?

There is no law prohibiting someone from making a mistake. Since the mistake has been corrected and you have no damages, there is nothing for you to take recourse for.

 

[adjusterjack]

State farm Home owners insurance company binded policy without my consent to my mortgage lender in the process of purchasing my home.

Why is a "mortgage lender in the process of purchasing [your] home"? Mortgage lenders don't typically buy homes.

Z, your snark can be very annoying. I think we all know what that sentence was supposed to mean.

"During the process of buying my home State Farm, without my consent, bound a homeowners policy at the request of the lender."

Not everybody has the writing skills of a law school graduate.

A homeowner chooses their insurer.

And then relays that information to the lender. How else would the lender know what insurance company to confirm coverage with?

 

[quincy]

... And then relays that information to the lender. How else would the lender know what insurance company to confirm coverage with?

Right. I suspect the error was not the bank’s or insurer’s alone.

Mistakes happen. This appears to be one mistake that was easily correctable.

 

[zddoodah]

Z, your snark can be very annoying. I think we all know what that sentence was supposed to mean.

Are you the pot or the kettle in this scenario? In any event, I assume the OP meant exactly what he/she wrote. If that's not the case, then he/she can explain.

Not everybody has the writing skills of a law school graduate.

That is, of course, true, but I think it's reasonable to expect at least middle school level writing skills.

 

[Zigner]

Are you the pot or the kettle in this scenario? In any event, I assume the OP meant exactly what he/she wrote. If that's not the case, then he/she can explain.

You do understand the concept of "context", right?

That is, of course, true, but I think it's reasonable to expect at least middle school level writing skills.

If so, then it would be reasonable to expect the same level of comprehension skills...

 

[Taxing Matters]

I got it resolved but is this legal to do this...

Yes, because there is no law that makes it illegal. In our legal system, everything is legal unless some law says it is illegal.

...and is there any recourse I can take for them doing so without my verbal or written consent?

While what they did was not illegal, you would not have been bound by an insurance policy to which you never consented. Had you suffered some kind of damages, e.g. financial loss, from what they did you would have had recourse for that. But mistakes that don't result in any harm to you don't give you any legal recourse. The expression "no harm, no foul" generally applies in these situations. We all make mistakes at some time or another. It would be a harsh world indeed if we had to pay for every little mistake we made, even that mistake caused no harm.

 

[quincy]

... That is, of course, true, but I think it's reasonable to expect at least middle school level writing skills.

zddoodah, some posters who come here have English as a second language, are not high school graduates or simply might struggle with the English language. It is a difficult language for many.

If you can’t understand what is written when no other responder shares your confusion, perhaps it is you who has the problem? Something to consider.

Drivel2787, as long as you now have the mortgage and the insurance you want, there is nothing more for you to do except enjoy your new home. I hope this minor snafu will be the worst problem you face going forward.